In response to your new voting poll on membership growth (or lack thereof), one thing we can't forget is that only about half of the 40% or so of the current adults who belong to a credit union, say that it is their primary financial institution. Given that statistic, a good debate may be where should the industry focus. o Should credit unions go out and add members as an indicator of success (maybe lobby to do away with FOM laws/regs?); or o Would it be smarter and better if credit unions spent resources and focused on enticing their "non-PFI" current members to use their credit union more as a PFI? Credit unions have to grow, but there could be asset growth from existing resources and serving existing members more/better, than trying to market to new members exclusively. The correct answer for many may be to do both. Buddy Gill Chief Advocacy Officer Texas CU League Farmers Branch, Texas